Credit Cards

[john31]

I finally joined PenFed, and since I knew from these boards that a credit card application wouldn't result in an additional hard pull, I also applied for a rewards card. I was approved for $7,000, which is great because I drive quite a ways to work and the 5% back on gas will certainly come in handy!

In case this helps others who might be considering applying:

EQ Score: 758 (July 2012)

1 year old USAA MC: $4,200 CL with 2% utilization

1 year old, 48 month auto loan

2 student loans currently in repayment

No baddies

[searchingfor67]

Congrats! And thanks for sharing. Do you mind sharing your aaoa number er of inquires?

[john31]

Thanks! Sure, my aaoa is 6 years, and I have 3 inquiries.

[LS2982]

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john31 wrote:

I finally joined PenFed, and since I knew from these boards that a credit card application wouldn't result in an additional hard pull, I also applied for a rewards card. I was approved for $7,000, which is great because I drive quite a ways to work and the 5% back on gas will certainly come in handy!

In case this helps others who might be considering applying:

EQ Score: 758 (July 2012)

1 year old USAA MC: $4,200 CL with 2% utilization

1 year old, 48 month auto loan

2 student loans currently in repayment

No baddies

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CONGRATS!!!!!

Nice limit!!

[Crashem]

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john31 wrote:

Thanks! Sure, my aaoa is 6 years, and I have 3 inquiries.

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you had 3 inquiries on equifax or total?  If total, any idea before app how many on equifax and when they were?

[john31]

I had 3 inquiries on EQ:

Aug 9, 2011

Dec 30, 2011

Jan 12, 2012

[john31]

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LS2982 wrote:

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john31 wrote:

I finally joined PenFed, and since I knew from these boards that a credit card application wouldn't result in an additional hard pull, I also applied for a rewards card. I was approved for $7,000, which is great because I drive quite a ways to work and the 5% back on gas will certainly come in handy!

In case this helps others who might be considering applying:

EQ Score: 758 (July 2012)

1 year old USAA MC: $4,200 CL with 2% utilization

1 year old, 48 month auto loan

2 student loans currently in repayment

No baddies

---

CONGRATS!!!!!

Nice limit!!

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Thanks!

[Crashem]

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john31 wrote:

I had 3 inquiries on EQ:

Aug 9, 2011

Dec 30, 2011

Jan 12, 2012

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Thanks for the info.  Congrats! Love my PenFed card too.  Make sure to spend enough for that bonus as it is pretty generous.  I do find how random the products in their reward program is.

[john31]

Thanks, Crashem!

[RockinRay]

Congrats - a great card grom a great CU for sure!